A shall be punished by a fine of 2,00,000 won, and by imprisonment of 6 months, respectively.

Defendant

A The above fine shall be imposed.

The Defendants, even though they were unable to obtain loans from financial institutions or obtain credit cards from financial institutions in a normal way due to lack of certain occupation or income, did not request from financial institutions C, D, E, F, G, H, H, I, J, K, L, M, etc., which is fraud, to enter false workplace information or to process account transaction details as if they were received monthly pay at the workplace that was made by falsity, thereby attempting to obtain credit loans from financial institutions, loan companies, and credit card companies or to obtain credit cards.

C created a company of N,O, P, Q, R, S, T, and U, which has no entity that has registered its business and reported the workplace insurance policyholder, and prepares false documents necessary for the loan, and the F has performed the role of preparing false documents and managing profits, and D accompanied by the loan applicants and financial institutions, and E has performed the role of creating and providing a false passbook for benefits necessary for the loan at the request of K, L, and M, even if the loan is required to be made in addition to G, H, I, and J.

1. The Defendant, even though he was unemployed, committed a false work information by requesting C, F, etc. to use it with a credit card.

On August 23, 2011, the Defendant: (a) was working as an employee of the “N” company that made a false representation in the form of “N” and submitted a card application as if there were certain incomes to the victims’ members of the Hyundai Card Business.

Accordingly, the Defendant conspireds with C, etc. to receive a credit card from the victim's modern card at that time, and fails to pay the amount of KRW 2,983,190.